Cash Rewards MasterCard® Receive a special offer?1 Get Started 1Not all members qualify. Please see our Disclosure for Special Offers for more information. Included with all of our credit cards: Interested in one of our other credit cards? MasterCard Low everyday purchase rate as low as 8.99% APR. Flex Rewards MasterCard Earn points on all your purchases & choose the rewards you want. Interested in one of our other credit cards? MasterCard Low everyday purchase rate as low as 8.99% APR. Flex Rewards MasterCard Earn points on all your purchases & choose the rewards you want. Already have our card? Whether you're looking to transfer balances to your card, increase your limit or learn more about the features of your VACU MasterCard, our resources can help. View our Cardholder Resources *Rebate Rewards. Standard 1% reward on all new net purchases (qualifying purchases less credits, returns, and adjustments) charged to the account each billing cycle. From 10/1/12 – 3/31/17, earn additional bonus rewards on the first $3,000 of net purchases in each of these three categories when processed by an eligible participating merchant: (a) grocery and (b) restaurant merchants - 1% bonus for a 2% total rebate; and (c) gas merchants - 2% bonus for a 3% total rebate. For each category, any net purchase in excess of $3,000 will earn the standard 1% rebate. Rewards are paid annually during the month in which your account was opened. **Conditions of Offer: You must be a VACU member in good standing; not all members qualify for this offer. Which promotional APR for Balance Transfers that a qualified member receives, is based upon the member’s standard APR for Balance Transfers. Balances transferred from other lenders from 4/1/16 to 6/30/16 retain a promotional APR for two years from the posting date. After that, the APR changes to the Balance Transfer APR in effect which is currently 10.99%-12.99% APR as of 04/01/2016. We will begin charging interest on balance transfers on the transaction date. VACU is not responsible for any charge owed to any creditor because a payment was not applied by a specific date. VACU reserves the right to decline any balance transfer request. Refer to VACU’s Credit Card Disclosure Statement for MasterCard and Cash Rewards MasterCard for more information.